Reply #6: No, it hasn't changed at all.

[Selteri]

The best recommended investment scheme is along these lines.

Let's say you have 100,000 you want to invest and see grow.

30% should go into 'safe' investments, this includes Gold, CDs, Savings accounts, and governmental bonds.

20% should go into 'fairly safe' investments so long as your state has an insurance backup plan (Which is in I believe every state) such as fidelity / Mutual funds they are moderately safe investments, like a 401k that works off the bond market normally, they tend to work average in good times but well in bad times.

25% CAN go into 'risk' investment, like the stock market or the international stock market, at the moment I suggest investing in the English or Netherland stock markets as they are stronger and better run... though they have a recession cycle comming in about 6 years without anything being changed, though a recession cycle for them will be nothing as harsh as America is going through. THeir recession cycle tends to run on the same 15-20 year cycle most finances run on.

25% is best served in what I call 'high risk developement' investment, that's putting it into companies that are starting up that offer things that you want to see or are develoing things that you want to see ion a company, as an example, right now, alternate fuel source companies are in their infancy, but they will explode within the next 15 years.